Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$69,300Cash toward the purchase price.
Closing costs + prepaids$14,128Not just lender fees.
Before credits & paid funds$83,428The complete starting cash picture.
Estimated remaining funds due at closing
$83,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,300.00
Your down payment$69,300.00
Closing costs + prepaids$14,127.65
Total buyer cash needed$83,427.64
Remaining funds due$83,427.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (6 days)$501.15
Fees + prepaids$14,127.65
Your down payment is the seller’s equity. You take over the $455,700 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $83,427.64 is due at closing. Uses and sources reconcile at $539,127.65 each. Not a Closing Disclosure.